Terms of Service

Last updated: August 28, 2026

These Terms of Service (“Terms”) govern your use of the Seraph: Retirement Planner mobile app (the “App”) and the website at hailcat.app (the “Site”), provided by Hailcat LLC (“Hailcat,” “we,” “us,” or “our”). By downloading, installing, or using the App, you agree to these Terms. If you do not agree, please do not use the App.

1. The service

The App lets you build retirement and financial-planning scenarios and see projected outcomes. We grant you a personal, non-exclusive, non-transferable, revocable license to use the App for your own personal, non-commercial planning, subject to these Terms and the App Store terms.

2. Educational purpose, not advice

The App is provided for general educational and informational purposes only. Projections are simplified models, not forecasts of your actual results. In particular:

• results are estimates based entirely on the assumptions and figures you enter;
• taxes are simplified: the App models U.S. federal and state income tax, long-term capital gains, NIIT, payroll taxes, Social Security taxation, Medicare premiums, and required minimum distributions, but does not capture every rule, credit, deduction, or your personal situation, and some figures are approximate;
• investment returns are simulated from simplified capital market assumptions (expected returns, volatilities, and correlations for a handful of broad asset classes, which you can review and adjust in the App), and inflation from a single rate or a simulated path; real markets and prices can behave very differently;
• Social Security benefits estimated by the App from your income are rough approximations; your actual benefit depends on your full earnings history, which only the Social Security Administration has;
• markets, tax law, and your circumstances change in ways no model can fully capture.

Nothing in the App is investment, tax, accounting, or legal advice, and no fiduciary or advisory relationship is created by your use of it. You are responsible for the accuracy of your inputs and for any decisions you make. Use the projections as one input among many.

3. Your data

The App runs on your device and stores your plans there. You are responsible for your data and for keeping your own backups. Our handling of information is described in our Privacy Policy.

4. Acceptable use

You agree not to misuse the App, for example by reverse engineering it (except as permitted by law), interfering with its operation, or using it in violation of applicable law.

The App is licensed for your own personal planning only. Using the App to provide financial planning, advisory, or similar services to others, or otherwise using it in the course of a business or profession, requires our prior written permission.

5. Intellectual property

The App and Site, including their design, text, graphics, and the Maximillion mascot, are owned by Hailcat LLC and protected by intellectual-property laws. These Terms do not grant you any rights in our trademarks or content except the limited license to use the App described above.

6. No warranty

The App and Site are provided “as is” and “as available,” without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the App will be accurate, uninterrupted, or error-free.

7. Limitation of liability

To the fullest extent permitted by law, Hailcat LLC will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any financial losses or decisions arising out of or related to your use of the App, the Site, or the projections they produce. Our total liability for any claim relating to the App will not exceed the amount you paid us for the App (which may be zero).

8. Dispute resolution and arbitration

Please read this section carefully; it affects your rights. Before starting any formal proceeding, you agree to first raise the issue through our contact form and give us thirty (30) days to try to resolve it with you informally.

If we cannot resolve a dispute informally, you and Hailcat LLC agree that any dispute, claim, or controversy arising out of or relating to the App, the Site, or these Terms will be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, rather than in court. The Federal Arbitration Act governs this agreement to arbitrate. The arbitration will be seated in New Jersey, and either party may choose to participate by videoconference or telephone rather than in person. Judgment on the arbitration award may be entered in any court with jurisdiction.

If you begin an arbitration in good faith, we will pay the AAA filing, administration, and arbitrator fees to the extent they exceed what it would have cost you to file the same claim in small claims court. As exceptions to arbitration, either party may bring a qualifying individual claim in small claims court instead, and either party may ask a court for injunctive or other equitable relief for infringement or misuse of intellectual property.

You and Hailcat LLC each agree that disputes may be brought only in an individual capacity, and not as a plaintiff or class member in any purported class, consolidated, or representative proceeding. The arbitrator may not consolidate claims or preside over any form of class proceeding. If this waiver is found unenforceable as to a particular claim, that claim alone must proceed in court and the rest of this section remains in effect.

You may opt out of this arbitration agreement by telling us through the contact form within thirty (30) days of first accepting these Terms that you wish to opt out of arbitration. Opting out does not affect any other part of these Terms.

9. Changes

We may update the App and these Terms from time to time. This includes adding, changing, removing, or beginning to charge for features of the App; a feature being free today does not guarantee it will remain free in the future. Material changes to these Terms will be reflected by updating the “Last updated” date above. Your continued use of the App after changes take effect means you accept the updated Terms.

10. Governing law

These Terms are governed by the laws of the State of New Jersey and applicable United States federal law, without regard to conflict-of-laws rules, except that the Federal Arbitration Act governs Section 8. Any dispute that is not subject to arbitration under Section 8 will be brought in the state or federal courts located in New Jersey, and you and Hailcat LLC consent to their jurisdiction.

11. Contact

Questions about these Terms? Reach us through our contact form.